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Are you tired of making less than 1 percent on your money and having to pay taxes on that growth? Do you enjoy the flexibility of being able to access your money and not having it “locked up” for several years? If you answered yes to both of those questions, let me introduce you to the benefits of purchasing a fixed annuity. Q:  So what is a fixed annuity? A:  A fixed annuity is a contract that provides a guaranteed interest rate as well as the ability to provide income[.....]

The post Fixed annuities are alternatives to CDs appeared first on The Cincinnati Insurance Companies blog.

There are close to 300,000 manufacturing businesses across America, ranging from machine shops to woodworkers to plastics manufacturers. All of them need a comprehensive insurance policy. MORE THAN PRODUCT LIABILITY People often think of insurance protecting a manufacturer against liability claims stemming from products they made. But insurance coverage should be much more than that. What if you are a manufacturer and are unable to continue making your product because of something that happened off of your premises? For example, a tornado knocks out power lines that prevent you from[.....]

The post Manufacture your best policy appeared first on The Cincinnati Insurance Companies blog.

Part 1 of 3 – Paintings can be protected to some extent from the effects of normal aging by good preventative conservation measures and from physical damage by good hanging, handling and storage procedures. However, time transforms most paintings in one way or another. While many are resilient, others can be extremely sensitive to both physical and environmental change. Paintings often suffer damage and deterioration both through their natural aging process and from accidents, mishandling, improper storage and display, exposure to extreme or fluctuating temperatures and relative humidity, improper cleaning[.....]

The post What’s happening to my paintings? appeared first on The Cincinnati Insurance Companies blog.

Part 4 of 4 Construction is among the most dangerous industries in the country. Bureau of Labor Statistics (BLS) data for 2014 showed 885 fatal on-the-job injuries, more than in any other single industry sector and nearly one out of every five work-related deaths in the U.S. that year. The Occupational Health and Safety Administration (OSHA) calls the leading causes of worker deaths on construction sites its Focus Four: falls, electrocution, struck by and caught in or between. These four leading hazards are responsible for 71 percent of deaths and[.....]

The post Focus Four construction-related hazards: Caught in appeared first on The Cincinnati Insurance Companies blog.

After a lot of saving and planning, my sister and her family bought their dream home. Sadly, a storm damaged their roof, and she’s had difficulty resolving her claim. Her family did not purchase their insurance through an independent agent. I encouraged her to give her carrier the opportunity to see things through, but I also suggested that once her claim is resolved, she might consider an independent agent to help her better determine the right carrier and insurance products for her family’s needs. My sister and her husband are[.....]

The post The benefits of working with an independent agent appeared first on The Cincinnati Insurance Companies blog.